QRIS Adoption, Financial Knowledge, and Generation Z Financial Management: The Moderating Effect of Financial Literacy. Al Dzahab, [S. l.], v. 7, n. 2, p. 286–296, 2026. DOI: 10.32939/rsn59e83. Disponível em: https://ejournal.iainkerinci.ac.id/index.php/al-dzahab/article/view/6236. Acesso em: 14 sep. 2026.